Mobile Home Insurance In Texas For 2024
If you’re searching for the best mobile home insurance in Texas, Foremost is the top pick.
We’ve saved shoppers an average of $450 per year on their home insurance.
Choosing the right mobile home insurance policy depends on several things, like the type of coverage and the price.
Having compared multiple companies, I selected Foremost as the top choice for securing your mobile home and belongings. With my decade-long experience as a licensed insurance agent, I’ll help you navigate your options and find the policy that suits your needs.
Best Mobile Home Insurance In Texas, 2024
Each company we assessed stands out on our list due to specific benefits and policy details that could suit your individual needs. Remember, the best policy for you may differ from what's perfect for someone living just a mile away in their own mobile home.
Take a look at our selected companies and a brief overview of the important factors:
Compare The Best Mobile Home Insurance In Texas
With a better understanding of our category winners, let's take a closer look and compare them side by side:
| Overall Rating | Best For | A.M. Best Rating | Bundle Discount | J.D. Power Rating /1000 | Get A Quote | |
|---|---|---|---|---|---|---|
| American Modern |
|
Specialized Coverage |
A+ |
No |
Not Rated |
Instant Quote |
| Progressive |
|
Runner-Up |
A+ |
Yes |
859 |
Instant Quote |
| American Family |
|
Discounts |
A |
No |
855 |
Instant Quote |
| Allstate |
|
Retirees |
A+ |
Yes |
854 |
Instant Quote |
| Foremost |
|
Overall |
A |
No |
868 |
Instant Quote |
| Assurant |
|
Most Comprehensive Coverage |
A |
No |
Not Rated |
Instant Quote |
| Farmers |
|
Endorsements |
A- |
Yes |
792 |
Instant Quote |
Best Mobile Home Insurance Companies In Texas
Best Overall Runner-Up
Key Statistics
Why We Like Them
⇅Known for offering great discounts to new homeowners, Progressive also boasts strong financial health and high customer satisfaction. Its easy-to-navigate website provides instant quotes.
The mobile app also adds to the convenience of the digital experience for policyholders.
A standout feature offered by Progressive, unlike other mobile home insurers we reviewed, is its “single deductible” benefit. When you bundle mobile home and auto insurance, you’ll only have to pay one deductible for claims on either policy.
If a hailstorm damages your mobile home’s roof and your car, and you have a $500 deductible for both, you only pay one deductible, and the repairs for both are included.
Moreover, Progressive offers a discount when you bundle your mobile home and auto insurance together.
With Progressive, you can add an endorsement known as “trip collision,” which covers your mobile home and possessions during transit.
Benefits & Drawbacks
⇅- Replacement cost coverage available as an option
- Includes a mobile app for managing policies
- New homeowners receive targeted discounts ✓
- Certain policies are underwritten by third-party companies
- Customer ratings are not as high as other mobile home insurers ✘
Best For Specialized Coverage
Key Statistics
Why We Like Them
⇅Since 1949, American Modern has been a trailblazer in mobile home insurance, offering tailored coverage options, particularly for owners of vacant or seasonal homes, which sets it apart from other insurers we assessed.
American Modern doesn’t provide replacement cost coverage for total losses. If your home is completely lost, they’ll pay the stated value listed in your policy without deducting depreciation. For partial losses, they compensate using actual cash value, but you can upgrade to replacement cost for these losses.
Benefits & Drawbacks
⇅- Brings years of industry knowledge and experience in mobile home insurance
- Features a reliable mobile app for convenient claims submission ✓
- You must contact an agent for quotes, as online quotes aren’t available
- Some discounts offered by other insurers are not available ✘
Best Overall
Key Statistics
Why We Like Them
⇅As a subsidiary of Farmers, Foremost provides the standard coverage options available through most mobile home insurers, but its key feature is the “extended replacement cost” coverage.
This replacement cost coverage stands out because, in the case of total loss, it can reimburse you up to 20% beyond the policy limit.
With a J.D. Power score of 868 out of 1,000, Foremost leads in customer satisfaction among the insurers we evaluated.
Foremost doesn’t offer real-time quotes on its website. Instead, after submitting the quote form, you can expect an emailed quote within a day.
Foremost is one of the biggest mobile home insurers in the U.S., with over 38,000 agents working for the company.
Benefits & Drawbacks
⇅- Accepts those with lower credit scores
- Provides extensive additional coverage, including debris removal and food spoilage protection
- Covers older mobile homes
- Offers AARP-backed discounts for members ✓
- Quote requests may take up to 24 hours
- No online application available ✘
Best For Most Comprehensive Coverage
Key Statistics
Why We Like Them
⇅Assurant stands out from other mobile home insurance providers by offering coverage for floods, hurricanes, earthquakes, landslides, and mudslides, which many other policies don’t include.
With Assurant’s All Risk coverage, you’re protected from sudden accidents that result in loss or damage to your mobile home, except for a few specific exclusions. Moreover, their replacement cost coverage for your home and personal property ensures that you receive new items of similar quality without any depreciation deduction.
In addition to your home, Assurant extends coverage to nearby structures like sheds, fences, and standalone garages. If a covered loss makes your home uninhabitable, they also cover the extra living expenses you incur during the repair period.
Benefits & Drawbacks
⇅- Coverage for floods and earthquakes is included in the standard policy.
- The policy offers replacement cost coverage for your home and personal property as a standard benefit. ✓
- To obtain quotes, you need to call a toll-free number from 7 AM to 7 PM, as online options are not provided.
- A mobile app is not available for easy access. ✘
Best For Retirees
Key Statistics
Why We Like Them
⇅While Allstate offers full coverage for all policyholders, they provide a special discount for retirees aged 55+ and original mobile or manufactured home titleholders, making the policy more affordable. Additionally, they offer a bundle discount, much like other insurers.
One standout feature of Allstate mobile home insurance is its “mine subsidence” coverage, something we didn’t see with other insurers. This type of coverage helps protect against damage caused by land movement related to mining activities. Allstate also extends property protection to satellite dish antennas.
Allstate offers standard mobile home insurance similar to other insurers, which includes actual cash or replacement cost for your home and personal items. The policy covers liability and guest medical protection as well. You can also add extra options such as water backup coverage, reimbursement for green upgrades, and electronic data recovery.
Benefits & Drawbacks
⇅- There are numerous optional coverages to choose from.
- Retirees and original homeowners can qualify for discounts.
- You can use a mobile app for convenient policy management. ✓
- Immediate online quotes are unavailable.
- Customer experiences can vary with different local agents. ✘
Best For Discounts
Key Statistics
Why We Like Them
⇅While it may not have the same recognition as some larger rivals, American Family is still one of the top eight home insurers in the U.S. by market share. It differentiates itself with a variety of discounts that offer multiple ways to reduce your monthly premiums.
You can qualify for discounts from American Family through a variety of methods, such as:
- Owning a home that was purchased in the last three years.
- Using features like autopay, full pay, and paperless billing to save.
- Bundling your auto and mobile home insurance together.
- Equipping your residence with smart devices like Ring or Nest.
One remarkable feature of American Family’s insurance is its diminishing deductible. On the day you purchase your policy, your deductible drops by $100, changing a $1,000 deductible to $900. Each year upon renewal, the deductible will keep decreasing until it hits the maximum allowed limit.
Benefits & Drawbacks
⇅- Includes a mobile app that lets you track your claims.
- Features a broad range of ways to qualify for discounts.
- Offers a diverse array of additional coverage options. ✓
- Some users have reported slower processing times for claims. ✘
Best For Endorsements
Key Statistics
Why We Like Them
⇅Designed to meet your unique needs, Farmers offers customizable mobile home insurance policies in Texas. Their extensive network of agents across the state is available to assist you in finding the right coverage, deductible, and endorsements tailored to you.
Among the endorsements available from Farmers are options for green-home improvements, enabling you to replace your appliances and systems with energy-efficient versions after filing a claim. You also have the choice of replacement cost coverage for enhanced personal protection, along with coverage for identity theft.
Policyholders with Farmers can take advantage of various discounts, including rewards for having a home security system, being a non-smoker, signing up for paperless billing, maintaining a claims-free history, and combining multiple policies such as car or life insurance with Farmers.
Benefits & Drawbacks
⇅- Covers the replacement of personal belongings, even when lost or stolen while you’re away from home.
- With claim forgiveness, your rates won’t increase after five years of no claims. ✓
- Quotes are only available through agents; there is no online quoting option.
- Ranked the lowest by J.D. Power among the insurers we reviewed. ✘
How to find the best mobile home insurance company for you
To choose the best mobile home insurance and provider, keep these tips in mind:
- Begin by selecting at least three companies from our extensive review and request quotes. Having several quotes will give you a better sense of mobile home insurance options and help you find coverage at a reasonable cost.
- Identify the specific risks you want your policy to cover. Fire protection is standard, but if you live near water or mountains, you could face flooding risks. In some cases, you may need to get flood insurance separately.
- Assess the value of your special or high-value possessions. Calculating their total worth alongside your other belongings will help you set the right policy limits and prevent unnecessary coverage costs.
- Be sure to mention any upgrades, renovations, or significant alterations that could impact your mobile home’s value when requesting a quote.
Whether before or after asking for quotes, make sure to photograph and record serial numbers for your valuable items, appliances, and belongings you want covered. Keep these records in a fire-resistant safe or secure location to help with any future claims.
Find Mobile Home Insurance In Texas
Average Cost Of Home Insurance In Texas
None of the insurers we evaluated provide pricing on their websites, but we estimate that mobile home insurance in Texas ranges from $40 to $125 per month. This estimate is based on factors like your coverage limits, deductible, and selected options, as detailed below.
The price of your mobile home insurance policy in Texas is influenced by several factors:
- Replacement Cost: The replacement value of your mobile home helps set your insurance rates.
- Coverage Limits: The more coverage you need, the higher your premium may be.
- Location (ZIP Code): The region where you live plays a part in shaping your insurance costs.
- Home Age: The older your mobile home, the more it may influence your insurance premium.
- Deductible: Choosing a higher or lower deductible will affect your insurance rates.
- Claims History: Your past claims can impact how much you pay for coverage.
Every insurer we assessed offers a range of discounts for mobile home insurance, which may include bundling with your auto coverage.
Do You Need Mobile Home Insurance In Texas?
It’s advisable to get mobile home insurance in Texas. Firstly, if you’re getting a mortgage to finance your mobile home, your lender is likely to mandate insurance coverage.
Next, whether you have a mortgage or not, homes throughout Texas are vulnerable to unpredictable threats from severe thunderstorms with damaging winds, hail, tornadoes, tropical storms, and hurricanes that can form in the Pacific Ocean.
In conclusion, make sure to consult your mobile home park or community rules to determine if insurance is mandatory for residents.
What Does Mobile Home Insurance In Texas Not Cover?
Mobile home insurance in Texas usually excludes coverage for certain events.
Flooding
Flood-related damages are generally excluded from coverage. If flooding is a concern in your area, it’s recommended to purchase a separate flood insurance policy.
Wear and Tear
Policies usually focus on unexpected and accidental damage, rather than the natural wear and tear that occurs with aging items.
Earthquakes
Earthquakes may not be common in Texas, but typical mobile home insurance policies in the state do not protect against “earth movement” caused by seismic events.
Business-Related Damage
When using your mobile home for business, damages tied to those activities may not be covered by a regular policy. In such situations, a commercial policy suited to your business may be necessary.
Insect or Animal Infestation
Pest infestation damage is not typically included in coverage. Insurance companies expect homeowners to prevent pests as part of normal maintenance.
What Does Mobile Home Insurance Cover?
The following protections are usually included in a basic mobile home policy:
Dwelling Coverage
This part of the policy covers repairs or replacement of your mobile home’s structure if it’s damaged by any insured event. The coverage applies up to your chosen limit. You will also decide on a deductible, which is the amount you pay out-of-pocket before the insurer steps in for approved claims.
The following events are usually covered:
- Fire
- Lightning
- Explosions
- Vandalism
- Falling objects
- Wind and hail
- Weight of ice and snow
- Damage from wild or stray animals
- Burst pipes
Personal Property Coverage
This feature covers the repair or replacement of your electronics, furniture, and other personal items if they’re lost due to theft or damage.
Coverage for Other Structures
This provision handles repair expenses for structures such as sheds, fences, or other standalone items when damage occurs due to a covered event.
Liability Insurance
This coverage addresses claims if someone is hurt on your property and sues, or if you unintentionally damage another person’s property. It usually covers related legal fees too.
Largest Manufactured Home Insurance Companies In Texas
| Provider | Market share |
| Foremost | 4.1% |
| Assurant | 1.7% |
| American Modern | 2.3% |
| American Family | 4.4% |
| Allstate | 8.77% |
| Progressive | 1.8% |
| State Farm | 8.34% |
How To Buy Mobile Home Insurance Online In Texas
To simplify the process of purchasing mobile home insurance online, take these steps:
Assess Your Coverage Needs: Determine the amount of coverage you need. Evaluate both your home and the worth of your possessions to choose suitable property damage limits.
Obtain Online Quotes: Numerous companies in Texas offer the option to get mobile home insurance quotes online. Some sites also provide comparison tools for coverage and pricing to simplify the process.
Submit Your Application: Once you’ve chosen your coverage and found a price that fits your budget, proceed with submitting the application. Most insurers accept online submissions, but a few might ask for an in-person meeting to finalize it.
Unique Considerations For Mobile Home Insurance In Texas
Similar to other coastal regions, Texas encounters a range of extreme weather events, including:
- Wildfires
- Damaging Winds
- Lightning
- Tornadoes
- Hurricanes
- Tropical Storms
- Hail
- Flood Damage
In light of these risks, we suggest that all mobile home owners in Texas ensure they have sufficient insurance coverage.
How To Find Cheap Mobile Home Insurance In Texas
For budget-friendly mobile home insurance in Texas, try to obtain quotes from at least three insurance companies. Rates may vary for standard coverage and additional options, so don’t forget to ask about discounts.
Nonetheless, we recommend not selecting an insurer solely based on their prices. It’s essential to ensure your policy has suitable coverage limits and to make comparisons on an equal footing.
Our Methodology
For our "Best For" selection and overall rating, we focused on the standard and optional coverages available from each insurer, as well as online reviews, financial stability, and customer satisfaction ratings. Please note that none of the insurers we assessed provide pricing information online.
Quotes Analyzed
Research Hours
Brands Reviewed
Years Of Experience
FAQs
Is mobile home insurance more expensive in Texas?
In most cases, mobile home insurance costs in Texas are on par with those in neighboring Southeastern states, with the exception of Florida, where numerous insurers refrain from providing mobile home insurance coverage.
Do you need mobile home insurance in Texas?
While it’s possible that your mortgage lender requires you to have insurance for your mobile home, state law does not make it compulsory. Still, we strongly advise carrying mobile home insurance, whether or not you have a mortgage.
How are mobile home insurance rates determined?
Multiple factors play a role in determining mobile home insurance rates, such as where you live, the limits of your coverage, your deductible, and any applicable discounts.
